Podcasts about intentional spending

Retiring early doesn't mean cutting out everything you love, it means being intentional about what truly adds value to your life. In this episode of Root Talks, we take a closer look at the spending choices that can either delay or accelerate your path to early retirement. We explore which tradeoffs are worth making, where small changes can have a big impact on your timeline, and why some expenses are still worth every penny. This isn't just about saving money—it's about aligning your spending with your values, your future goals, and the life you actually want to live.- Advisory services are offered through Root Financial Partners, LLC, an SEC registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. We do not provide tax preparation or legal services. Always consult with your CPA or attorney regarding your specific situation.Viewing this video does not create an advisory relationship with Root Financial. We only provide advisory services to clients under a written agreement. Investment strategies discussed may not be suitable for everyone. All investments involve risk, and past performance is not indicative of future results. Any opinions expressed are as of the date of recording and are subject to change.Comments left on this video reflect the views and opinions of the individual commenters and do not necessarily represent the views of Root Financial Partners, LLC. Comments should not be considered a testimonial or endorsement of our services and have not been solicited or compensated. Root does not verify the accuracy of comments and is not responsible for their content.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3148: Kumiko Love shares a strategic guide to making the most of an extra paycheck - a financial opportunity that comes just a few times a year for bi-weekly earners. By prioritizing intentionality over impulse, she outlines how to align this bonus income with your money goals, whether it's crushing debt, boosting savings, or planning guilt-free fun. Read along with the original article(s) here: https://www.thebudgetmom.com/what-to-do-with-that-third-paycheck/ Quotes to ponder: "That third paycheck is not free money. It's your money - and your plan for it matters." "You don't have to spend every dime to enjoy your life." "Decide what's most important to you and make a plan before the money hits your account." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3148: Kumiko Love shares a strategic guide to making the most of an extra paycheck - a financial opportunity that comes just a few times a year for bi-weekly earners. By prioritizing intentionality over impulse, she outlines how to align this bonus income with your money goals, whether it's crushing debt, boosting savings, or planning guilt-free fun. Read along with the original article(s) here: https://www.thebudgetmom.com/what-to-do-with-that-third-paycheck/ Quotes to ponder: "That third paycheck is not free money. It's your money - and your plan for it matters." "You don't have to spend every dime to enjoy your life." "Decide what's most important to you and make a plan before the money hits your account." Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Picking Daisies, Mary sits down with financial therapist Lindsey Konchar to unpack the emotional side of money. Together, they dive into how our early money stories shape our adult habits, the shame that often surrounds finances, and why open conversations—especially within families—are essential.Lindsey blends behavioral therapy with practical financial tools to help families, especially stay-at-home parents, rethink their relationship with money. They discuss everything from financial infidelity and money dynamics in relationships to teaching kids how to spend with intention (and yes, even how TikTok Shop fits into it all).This is more than a budgeting chat—it's a fresh, honest take on financial self-care, how to spend in a way that feels good, and how to raise financially aware kids without fear or scarcity.Takeaways:Over 90% of Americans experience financial stress—you're not alone.Your money story is learned young (by age 10!) but can be changed.Intentional spending should create joy and reduce chaos—not shame.Stay-at-home parents contribute in ways that deserve recognition and partnership.Avoiding money conversations only adds to the stress—especially in relationships.Kids can sense financial tension, even if it's unspoken—so include them.Family meetings and honest conversations build trust and confidence.Use resources like podcasts to support your journey toward financial peace.Whether you're in a relationship, parenting little ones, or just trying to break the cycle of paycheck-to-paycheck living, this episode offers thoughtful, doable steps for anyone ready to shift their money mindset.Join Mary everyday for a real look into life with 3 crazy ass kids, surviving, thriving, and whatever the F else you might consider over at www.instagram.com/theverymarylife. Or if you're a Tik Tok fan, find me at https://www.tiktok.com/@theverymarylife. And of course, explore more on Theverymarylife.com

In this episode, we explore how to tackle debt without sacrificing the things that bring joy and meaning to life. From intentional travel planning to evaluating extracurriculars for your kids, we discuss ways to align spending with personal values and maintain a sustainable financial journey. Plus, we dig into practical tools and mindset shifts to help you make confident, values-based decisions around money. In this episode, we chat about: Intentional spending  Aligning spending with your values Understanding the trade-offs and balance   MENTIONED IN THIS EPISODE: Empowered Money Academy   TODAY'S PODCAST SPONSOR Crew Finance Sign up today for free and Crew is giving $25 to any Toasties who deposit $500 or more trycrew.com/toast  Use code TOAST ABOUT PRICE OF AVOCADO TOAST: Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple.  They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU!  Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget! FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE: Join Empowered Money Academy priceofavocadotoast.com Price of Avocado Toast Instagram Price of Avocado Toast Twitter Price of Avocado Toast Threads Price of Avocado Toast on TikTok Price of Avocado Toast Facebook Join the Price of Avocado Toast Newsletter OTHER LINKS: Apply for 1:1 Coaching With Haley & Justin Schedule a Budget Builder call with Haley & Justin Price of Avocado Toast customizable 12 month budgeting template   RECOGNITION: Audio engineer: Garrett Davis

Better every day. That's the goal. Not perfection. What skill have you ever learned that you were perfect at right from the start? Then why are you so hard on yourself when your financial journey isn't perfectly smooth and easy? Each positive decision you make, each money conversation you have with your spouse is like a good set at the gym. Not every rep is perfect, so you keep working on it. This week, we're talking mindset shifts to help you think of one way you can PRACTICE this week with: Spending intentionally Communication Overcoming exessive frugality & moving on from seasons of aggressive saving Money management is a skill that improves with practice. You'll get better with each rep. Don't expect perfect from you every day (or from your spouse!). What decision today could be one rep?  For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3090: Brian Gardner challenges the busyness and clutter that dominate modern life, inviting readers to embrace a simpler, more intentional existence. By clearing the physical and mental "sidebars" that distract us, he reveals how life becomes more meaningful, spacious, and aligned with what truly matters. Read along with the original article(s) here: https://nosidebar.com/life-without-sidebars/ Quotes to ponder: "A life with no sidebars is about making space for what really matters by getting rid of everything that doesn't." "Busyness isn't a badge of honor, it's a barrier to connection, creativity, and joy." "Instead of checking off boxes, I want to be present for my life." Episode references: Soulful Simplicity (Book): https://www.amazon.com/Soulful-Simplicity-Courtney-Carver/dp/0143130684 Be More with Less: https://bemorewithless.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3090: Brian Gardner challenges the busyness and clutter that dominate modern life, inviting readers to embrace a simpler, more intentional existence. By clearing the physical and mental "sidebars" that distract us, he reveals how life becomes more meaningful, spacious, and aligned with what truly matters. Read along with the original article(s) here: https://nosidebar.com/life-without-sidebars/ Quotes to ponder: "A life with no sidebars is about making space for what really matters by getting rid of everything that doesn't." "Busyness isn't a badge of honor, it's a barrier to connection, creativity, and joy." "Instead of checking off boxes, I want to be present for my life." Episode references: Soulful Simplicity (Book): https://www.amazon.com/Soulful-Simplicity-Courtney-Carver/dp/0143130684 Be More with Less: https://bemorewithless.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3090: Brian Gardner challenges the busyness and clutter that dominate modern life, inviting readers to embrace a simpler, more intentional existence. By clearing the physical and mental "sidebars" that distract us, he reveals how life becomes more meaningful, spacious, and aligned with what truly matters. Read along with the original article(s) here: https://nosidebar.com/life-without-sidebars/ Quotes to ponder: "A life with no sidebars is about making space for what really matters by getting rid of everything that doesn't." "Busyness isn't a badge of honor, it's a barrier to connection, creativity, and joy." "Instead of checking off boxes, I want to be present for my life." Episode references: Soulful Simplicity (Book): https://www.amazon.com/Soulful-Simplicity-Courtney-Carver/dp/0143130684 Be More with Less: https://bemorewithless.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3521: Spending money out of boredom is a common trap, fueled by the instant gratification of shopping and the endless distractions of social media. Charlie Brown argues that the key to breaking this cycle lies in embracing profound boredom, a deeper state of reflection that can lead to meaningful life changes. By stepping outside, engaging with the world, and allowing boredom to transform into creativity and purpose, we can escape the lure of mindless spending and build a more fulfilling life. Read along with the original article(s) here: https://themakingofamillionaire.com/you-spend-money-because-youre-bored-26d8fa1be4af Quotes to ponder: "We are very, very good at stemming boredom with spending money." "Shopping through boredom is about as far from a win-win situation as you can get. It's expensive, you'll probably regret it, and it's not a long-term solution to your boredom." "Stepping outside your house has two major boredom-blocking benefits. One, it stems superficial boredom in an easy, cheap way. Two, it's well-documented that walking does things to your brain that nothing else can." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3521: Spending money out of boredom is a common trap, fueled by the instant gratification of shopping and the endless distractions of social media. Charlie Brown argues that the key to breaking this cycle lies in embracing profound boredom, a deeper state of reflection that can lead to meaningful life changes. By stepping outside, engaging with the world, and allowing boredom to transform into creativity and purpose, we can escape the lure of mindless spending and build a more fulfilling life. Read along with the original article(s) here: https://themakingofamillionaire.com/you-spend-money-because-youre-bored-26d8fa1be4af Quotes to ponder: "We are very, very good at stemming boredom with spending money." "Shopping through boredom is about as far from a win-win situation as you can get. It's expensive, you'll probably regret it, and it's not a long-term solution to your boredom." "Stepping outside your house has two major boredom-blocking benefits. One, it stems superficial boredom in an easy, cheap way. Two, it's well-documented that walking does things to your brain that nothing else can." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3521: Spending money out of boredom is a common trap, fueled by the instant gratification of shopping and the endless distractions of social media. Charlie Brown argues that the key to breaking this cycle lies in embracing profound boredom, a deeper state of reflection that can lead to meaningful life changes. By stepping outside, engaging with the world, and allowing boredom to transform into creativity and purpose, we can escape the lure of mindless spending and build a more fulfilling life. Read along with the original article(s) here: https://themakingofamillionaire.com/you-spend-money-because-youre-bored-26d8fa1be4af Quotes to ponder: "We are very, very good at stemming boredom with spending money." "Shopping through boredom is about as far from a win-win situation as you can get. It's expensive, you'll probably regret it, and it's not a long-term solution to your boredom." "Stepping outside your house has two major boredom-blocking benefits. One, it stems superficial boredom in an easy, cheap way. Two, it's well-documented that walking does things to your brain that nothing else can." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3060: Tracking every purchase and asking three simple questions can revolutionize your spending habits. Kalen Bruce highlights the power of intentionality in finances, encouraging mindfulness about whether a purchase is necessary, if there's a more cost-effective way to buy it, and if quality should be prioritized. By applying this approach to everything from groceries to major expenses like housing and insurance, you can reduce wasteful spending and improve your financial well-being. Read along with the original article(s) here: https://freedomsprout.com/intentional-spending/ Quotes to ponder: "This is a way to stop that. Basically, you're going to track everything you buy, just like you would when you start budgeting, but you're going to actually talk about every single purchase." "It pays to spend more on quality, whether for your health or for your wallet. Or both." "If you're intentional about the things you're spending your money on, you're going to spend less and spend on the right things - improving your financial health." Episode references: Intentional Children: https://www.amazon.com/Intentional-Children-Raising-Money-Smart-Intention/dp/1734973439 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3060: Tracking every purchase and asking three simple questions can revolutionize your spending habits. Kalen Bruce highlights the power of intentionality in finances, encouraging mindfulness about whether a purchase is necessary, if there's a more cost-effective way to buy it, and if quality should be prioritized. By applying this approach to everything from groceries to major expenses like housing and insurance, you can reduce wasteful spending and improve your financial well-being. Read along with the original article(s) here: https://freedomsprout.com/intentional-spending/ Quotes to ponder: "This is a way to stop that. Basically, you're going to track everything you buy, just like you would when you start budgeting, but you're going to actually talk about every single purchase." "It pays to spend more on quality, whether for your health or for your wallet. Or both." "If you're intentional about the things you're spending your money on, you're going to spend less and spend on the right things - improving your financial health." Episode references: Intentional Children: https://www.amazon.com/Intentional-Children-Raising-Money-Smart-Intention/dp/1734973439 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3060: Tracking every purchase and asking three simple questions can revolutionize your spending habits. Kalen Bruce highlights the power of intentionality in finances, encouraging mindfulness about whether a purchase is necessary, if there's a more cost-effective way to buy it, and if quality should be prioritized. By applying this approach to everything from groceries to major expenses like housing and insurance, you can reduce wasteful spending and improve your financial well-being. Read along with the original article(s) here: https://freedomsprout.com/intentional-spending/ Quotes to ponder: "This is a way to stop that. Basically, you're going to track everything you buy, just like you would when you start budgeting, but you're going to actually talk about every single purchase." "It pays to spend more on quality, whether for your health or for your wallet. Or both." "If you're intentional about the things you're spending your money on, you're going to spend less and spend on the right things - improving your financial health." Episode references: Intentional Children: https://www.amazon.com/Intentional-Children-Raising-Money-Smart-Intention/dp/1734973439 Learn more about your ad choices. Visit megaphone.fm/adchoices

If you've ever wondered how to make smarter money moves, whether property is still the best way to grow wealth, or how to set yourself up for financial freedom, today's show is for you. Sarah Megginson, personal finance expert and Head of Editorial at Finder.com.au and I unpack the Finder Wealth Builder Report, which is a fascinating deep dive into how Aussies are saving, investing, and making their money work harder Sarah shares some eye-opening insights from the report—like what separates successful investors from those who just can't seem to get ahead, why younger Aussies are finding it tougher to build wealth, and how small habits can lead to big financial gains over time. Takeaways Property remains a significant driver of wealth in Australia. Generational wealth transfer is changing the landscape of investment. Financial literacy is essential for making informed investment decisions, but it's not taught to most Aussies. 2025 will present unique challenges for property investors. Resilience is key to overcoming financial setbacks. Alternative investments are becoming more accessible to everyday Australians. Learning from financial losses can lead to greater wealth in the long run. Teaching children about money is vital for their financial future. Chapters 00:29 Understanding Successful Investors vs. Struggling Investors 01:32 Economic Challenges and Wealth Growth in Australia 07:09 Wealth Inequality and Global Comparisons 13:02 The Mindset of Investors vs. Non-Investors 18:43 The Role of Financial Literacy and Good Habits 24:16 Intentional Spending and Financial Goals 39:26 Reflecting on 2024: A Year of Challenges and Opportunities 40:20 Preparing for 2025: Strategies for Property Investors 40:58 Living Authentically: The Regrets We Carry 42:24 Chasing Experiences Over Wealth Links and Resources:    Michael Yardney    Sarah Megginson Finder – Head of Editorial    Finder's Building Wealth Report    Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us    Get a bundle of free reports and eBooks – www.PodcastBonus.com.au     Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future    Shownotes plus more here: The Habits of Australia's Wealthiest Investors – Are You Missing Out? With Sarah Megginson

Mike "C-Roc" welcomes special guests Shana and Vanessa, also known as the Budget Besties. These two dynamic women share their journey of financial transformation and empowerment. Shana and Vanessa recount how their friendship began when their sons were toddlers and grew into a partnership dedicated to helping others take control of their finances. Inspired by Dave Ramsey's The Total Money Makeover, they embraced a lifestyle of intentional spending, leading to significant milestones like becoming mortgage- and debt-free by age 31. The Budget Besties discuss how they now work with individuals and families who make good money but often have nothing to show for it due to lifestyle creep and unintentional spending. They emphasize that financial success isn't about how much you earn but about being deliberate with your resources. Sharing client stories, they illustrate how anyone can align their finances with their values and goals, whether they're downsizing voluntarily or navigating unexpected challenges like job loss or major life transitions. Shana and Vanessa passionately advocate for what they call being “bougie on a budget,” showing how it's possible to live a fulfilling life, enjoy luxuries, and meet financial goals like saving, investing, and paying off debt—all within a sustainable budget. Through humor and practical advice, they inspire listeners to step back, evaluate their spending, and make intentional choices that lead to a more balanced and content lifestyle. Website-https://budgetbesties.com/ Social Media Links/Handles- https://www.facebook.com/MyBudgetBesties https://www.instagram.com/mybudgetbesties

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2996: Dr. Leif Dahleen debunks common financial misconceptions like "free" travel with credit card points, the necessity of budgeting, and the idea that everyone needs a side hustle. He explains how credit card rewards aren't truly free and challenges the notion that earning more is always better than spending less, especially when taxes are factored in. His insights encourage intentional spending and a realistic approach to personal finance. Read along with the original article(s) here: https://www.physicianonfire.com/money-myths/ Quotes to ponder: “You might be inclined to consider these flights as ‘free travel,' but the truth is that you could have $500 cash in your pocket instead.” “A dollar saved is better than a dollar earned. Every $1.00 that you don't spend is about $1.60 that you don't have to earn.” “Side gigs can be great for non-financial reasons but a main gig ought to be enough to support you and your family financially.” Episode references: YNAB (You Need a Budget): https://www.youneedabudget.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2996: Dr. Leif Dahleen debunks common financial misconceptions like "free" travel with credit card points, the necessity of budgeting, and the idea that everyone needs a side hustle. He explains how credit card rewards aren't truly free and challenges the notion that earning more is always better than spending less, especially when taxes are factored in. His insights encourage intentional spending and a realistic approach to personal finance. Read along with the original article(s) here: https://www.physicianonfire.com/money-myths/ Quotes to ponder: “You might be inclined to consider these flights as ‘free travel,' but the truth is that you could have $500 cash in your pocket instead.” “A dollar saved is better than a dollar earned. Every $1.00 that you don't spend is about $1.60 that you don't have to earn.” “Side gigs can be great for non-financial reasons but a main gig ought to be enough to support you and your family financially.” Episode references: YNAB (You Need a Budget): https://www.youneedabudget.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2996: Dr. Leif Dahleen debunks common financial misconceptions like "free" travel with credit card points, the necessity of budgeting, and the idea that everyone needs a side hustle. He explains how credit card rewards aren't truly free and challenges the notion that earning more is always better than spending less, especially when taxes are factored in. His insights encourage intentional spending and a realistic approach to personal finance. Read along with the original article(s) here: https://www.physicianonfire.com/money-myths/ Quotes to ponder: “You might be inclined to consider these flights as ‘free travel,' but the truth is that you could have $500 cash in your pocket instead.” “A dollar saved is better than a dollar earned. Every $1.00 that you don't spend is about $1.60 that you don't have to earn.” “Side gigs can be great for non-financial reasons but a main gig ought to be enough to support you and your family financially.” Episode references: YNAB (You Need a Budget): https://www.youneedabudget.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

I want to hear your thoughts about the show and this episode. Text us here...In this episode of "Confidence and the Confident You," host Julie DeLucca-Collins dives into personal finance with guest Debra Jacobs, an accredited financial counselor and founder of Money Smart for Life. Deborah, armed with a master's degree from Harvard, shares her journey and practical tips for financial empowerment, especially for women. They discuss the emotional baggage tied to money, generational beliefs, and the importance of financial education. Deborah offers strategies like house sitting for affordable travel and underscores the value of financial coaching. This episode is a friendly, insightful guide to taking control of your financial future.In this episode: Importance of financial education and literacyImpact of generational beliefs on money managementCommon financial challenges faced by womenEmotional aspects of managing money and overcoming fearStrategies for effective budgeting and spending plansAddressing financial mistakes and learning from themSocietal pressures influencing financial decisionsFinancial challenges for individuals approaching retirementBenefits of working with a financial coachEncouragement to take proactive steps toward financial empowermentConnect with Debra:https://moneysmartforlife.comLinked-InFaceBookThis is an invitation to join a supportive community of purpose-driven entrepreneurs who are creating an impact in the world.A mastermind is a community of peers who exchange ideas, provide support, and offer sound advice for running a successful business.Join the Confident YOU Mastermind now at https://goconfidentlyservices.myflodesk.com/confidentyoumastermindSupport the showOther helpful resources for you: Learn more about my Confident You Mastermind Today! Here's your Guide to Starting A Podcast in 30 days, download yours today! For more about me and what I do, check out my website. If you're looking for support to grow your business faster, be positioned as an authority in your industry, and impact the masses, schedule a call to explore if you'd be a good fit for one of my coaching programs. Thank you for listening to our podcast. Please Subscribe! Join our Facebook GroupInstagram, TikTok We love reviews! Please leave us a review.Contact us if you want to Launch, restart, or grow your podcast.

What happens when unexpected money shows up in your life? Are you ready with a plan? In this episode of The Quiet Part, Mark Hansen dives into the often-overlooked topic of sudden financial windfalls. Mark explores practical strategies for handling these financial surprises without compromising long-term goals. Tune in for relatable stories and practical advice on how to navigate unexpected income, emergency funds, and smoothing out those uneven expense patterns that can stress out any budget.Mark discusses: Handling sudden money like inheritances or commission checksThe importance of having a financial planBuilding an emergency fund tailored to your lifestyleStrategies for managing big expenses and reducing stress around spendingAnd more!Resources:eBook: What The Hack Are You Thinking?The Quiet Part Episode 4 - Conquering Your Cash FlowConnect with Mark Hansen: LinkedIn: Mark HansenWebsite: SecondComma.comEmail: contact@second-comma.comBook a 15-minute Intro Call About Mark Hansen: Mark Hansen, financial planner and the thoughtful voice behind 'The Quiet Part' podcast. Mark's journey from sales to finance, fueled by personal experiences, shapes his honest, deliberate approach. As a devoted family man with a flair for storytelling, Mark emphasizes financial aspects within your control - like spending habits, income strategies, and long-term planning. It's an exploration of the profound motivations driving our choices. Join Mark for not only practical and friendly guidance but also for inspiration in navigating life's financial journey.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2948: Ryan from ArrestYourDebt.com reveals how companies profit from our constant dissatisfaction, urging a mindset shift for greater happiness and financial freedom. He emphasizes investing in experiences over material items, nurturing meaningful memories, and giving to others to elevate personal joy and purpose. Read along with the original article(s) here: https://arrestyourdebt.com/money-can-buy-happiness/ Quotes to ponder: "Businesses and marketers take full advantage of our discontentment." "Experiences have an amazing way of making us happy and keeping us happy for a longer period of time." "This life is about living and giving - the more you give, the happier you will be." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2948: Ryan from ArrestYourDebt.com reveals how companies profit from our constant dissatisfaction, urging a mindset shift for greater happiness and financial freedom. He emphasizes investing in experiences over material items, nurturing meaningful memories, and giving to others to elevate personal joy and purpose. Read along with the original article(s) here: https://arrestyourdebt.com/money-can-buy-happiness/ Quotes to ponder: "Businesses and marketers take full advantage of our discontentment." "Experiences have an amazing way of making us happy and keeping us happy for a longer period of time." "This life is about living and giving - the more you give, the happier you will be." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2948: Ryan from ArrestYourDebt.com reveals how companies profit from our constant dissatisfaction, urging a mindset shift for greater happiness and financial freedom. He emphasizes investing in experiences over material items, nurturing meaningful memories, and giving to others to elevate personal joy and purpose. Read along with the original article(s) here: https://arrestyourdebt.com/money-can-buy-happiness/ Quotes to ponder: "Businesses and marketers take full advantage of our discontentment." "Experiences have an amazing way of making us happy and keeping us happy for a longer period of time." "This life is about living and giving - the more you give, the happier you will be." Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode #32: In this episode of Positive Traction with Coach Henry, Henry welcomes long-time friend Sabrina, also known as Sab from Hot Girl Financial. Sabrina shares her journey in the financial services industry and explains her mission to empower women by promoting financial literacy and independence. She discusses her initiatives, like teaching intentional spending over traditional budgeting to remove the negative connotation around financial management. Sabrina also emphasizes the significance of women understanding and managing their finances, especially in situations like divorce or the death of a spouse. Coach Henry and Sabrina discuss how small consistent steps in financial education can have a significant impact, and Sabrina shares her vision for Hot Girl Financial's future growth and influence. The episode is filled with practical tips, empowering messages, and discussions on breaking away from the traditional 'finance bro' culture to make finance more accessible and enjoyable for women.   Timestamps 01:27 Sabrina's Background and Mission 02:46 Empowering Women Through Financial Literacy 05:42 Intentional Spending Explained 13:31 Navigating the Finance Bro Culture 19:34 Future Goals and Reflections 20:12 Encouragement and Side Hustles 20:38 Stepping into Entrepreneurship 23:24 Consistency in Finance and Life 25:34 Empowering Women in Finance 26:12 Intentional Spending and Financial Literacy 33:48 Lessons from Failure and Growth 35:53 Final Thoughts and Future Plans  

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2897: U-Ming Lee challenges the conventional wisdom of avoiding lifestyle creep, arguing that some level of it is both natural and beneficial. He emphasizes that living too austerely can be detrimental to mental well-being and suggests a balanced approach of mindful consumption, where purchases are made thoughtfully based on personal value rather than societal pressures or extreme frugality. Read along with the original article(s) here: https://themakingofamillionaire.com/some-lifestyle-creep-is-inevitable-it-may-even-be-desirable-dd3ff08d66c4 Quotes to ponder: "Forced austerity has a corrosive impact on your mental well-being." "Mindful consumption strikes a happy balance between rigidly self-enforced austerity and excessive consumption." "Rising living conditions signal that we are improving our lot in life." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2897: U-Ming Lee challenges the conventional wisdom of avoiding lifestyle creep, arguing that some level of it is both natural and beneficial. He emphasizes that living too austerely can be detrimental to mental well-being and suggests a balanced approach of mindful consumption, where purchases are made thoughtfully based on personal value rather than societal pressures or extreme frugality. Read along with the original article(s) here: https://themakingofamillionaire.com/some-lifestyle-creep-is-inevitable-it-may-even-be-desirable-dd3ff08d66c4 Quotes to ponder: "Forced austerity has a corrosive impact on your mental well-being." "Mindful consumption strikes a happy balance between rigidly self-enforced austerity and excessive consumption." "Rising living conditions signal that we are improving our lot in life." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2897: U-Ming Lee challenges the conventional wisdom of avoiding lifestyle creep, arguing that some level of it is both natural and beneficial. He emphasizes that living too austerely can be detrimental to mental well-being and suggests a balanced approach of mindful consumption, where purchases are made thoughtfully based on personal value rather than societal pressures or extreme frugality. Read along with the original article(s) here: https://themakingofamillionaire.com/some-lifestyle-creep-is-inevitable-it-may-even-be-desirable-dd3ff08d66c4 Quotes to ponder: "Forced austerity has a corrosive impact on your mental well-being." "Mindful consumption strikes a happy balance between rigidly self-enforced austerity and excessive consumption." "Rising living conditions signal that we are improving our lot in life." Learn more about your ad choices. Visit megaphone.fm/adchoices

Pastor Andy preaches over Luke 10:38-42 on October 6th, 2024.

“Spending is your superpower… You're not doing money wrong, you do money differently. The sooner that you're able to own it and be proud of it, the sooner you can wield it like a superpower instead of being all over the place because you're judging yourself with it.” —Franchelle Caesar    Being a "spender" is often seen as a negative trait, but the truth is, that spenders possess a unique financial superpower. While society may deem spending as a liability, in reality, it plays a vital role in keeping the economy thriving. Therefore, it's time to redefine the narrative and embrace the strengths that come with being a proud spender. Franchelle Caesar is a Financial Coach for Spenders. After struggling with her own spending habits, she created a solution and now helps others do the same, guiding them to wield their spending prowess as a strength rather than a weakness. In this conversation, Daniel and Franchelle share powerful insights on the misconceptions about being a “spender”, the importance of being intentional in spending and tracking finances, the need to align spending with personal values, tips on gamifying financial habits and creating enjoyable routines, the different types of toxic spending patterns and how to overcome financial sabotage, mindset shifts for abundance, plus much more.    Be Inspired! with Daniel:  Website (Makings of a Millionaire Mindset) Website (Daniel Gomez Global) Facebook Facebook Group X Instagram LinkedIn Pinterest YouTube Episode Highlights: 03:14 Who is a “Spender” 09:21 Lifestyle Creep 15:53 Gamify Your Spending Behavior 22:52 Toxic Spending Patterns: Winner, Seeker, Runner, and Protector 35:06 Go Where the Growth Is 40:28 Have Them Come   

In this episode, Ryan Burklo discusses the top reasons why people struggle financially. He emphasizes that these reasons are not meant to point fingers or judge, but rather to provide insights and reminders about making intentional financial decisions. The five main reasons discussed are: low income, spending too much on housing or rent, spending too much on a car, spending too much on debt, and taking extravagant vacations. The key takeaway is to align spending with personal values and live within one's means. Takeaways Financial struggles can happen to anyone, and it's important to approach the topic without judgment. Low income can lead to financial struggles, and it's important to find ways to increase income through side gigs or career advancement. Spending too much on housing or rent can strain finances, and it's important to consider one's lifestyle and priorities when making housing decisions. Spending too much on a car can be a financial burden, and it's important to differentiate between wants and needs when making car purchases. Having too much debt can hinder financial progress, and it's important to prioritize debt repayment and live within one's means. Taking extravagant vacations can be enjoyable, but it's important to consider the financial impact and find a balance between enjoyment and financial responsibility. The key to overcoming financial struggles is aligning spending with personal values and making intentional financial decisions. Chapters 00:00 Introduction: Understanding Financial Struggles 02:25 Chapter 1: Low Income and Financial Challenges 05:35 Chapter 3: Making Wise Choices with Car Expenses 06:59 Chapter 4: Managing Debt and Financial Stability 08:13 Chapter 5: Finding a Balance with Vacations 09:45 Conclusion: Aligning Spending with Personal Values

Have you ever taken a sobering look at your savings account and wondered, “How am I ever going to retire?”This harsh reality is something that hits many women once they reach a certain age, making them feel stuck and uncertain about the future. And if we're honest, no one wants to work until they die, so how do you begin to build wealth? In this episode, I share 9 practical and extremely powerful ways to manage your money and build financial freedom. These strategies that will put you back in the driver's seat with your finances, giving you the tools to make your money work for you, not the other way around.With things like intentional spending, strategic saving, and smart investing, you can create a solid foundation for wealth that grows over time.Ready to set yourself up for a prosperous future where you can enjoy your life instead of working yourself ragged? Tune in with an open mind and heart & start implementing these strategies right away!—Key Takeaways:Intro (00:00)Strategy 1: Intentional spending (01:24)Strategy 2: Label your savings accounts (04:16)Strategy 3: Check your bank account often (05:22)Strategy 4: Look into investment & retirement accounts (06:41)Strategy 5: Financial education (07:51)Strategy 6: Create more value (08:55)Strategy 7: Get out of credit card debt (09:52)Strategy 8: Get a second job (10:56)Strategy 9: Be open to different jobs & opportunities (12:59)—Additional Resources:- Let me help you realign your relationships, finances, health, and faith – join my Align Academy. - Join me for my FREE 2-hour masterclass – The Art of Alignment- Reach out to me on social media:InstagramFacebookLinkedInThe Prosperity Approach is a podcast showing ambitious, God-centered women how to master their inner game so they can lay down the struggle, manifest their dreams, and LOVE life as they go.- Follow the podcast on your favorite app, so you never miss an episode! Click HERE.- I'd be so grateful and honored if you took the time to leave a rating and review.

For more information and show notes visit: https://www.bwmplanning.com/post/84In this episode, we discuss some thought-provoking ideas and share our insights on optimizing investments, lowering future taxes, and growing wealth. Here are three key takeaways from this enlightening discussion:1. Intentional Spending and Memory DividendsOne of the main points we explored in the episode is the concept of intentional spending and the idea of "memory dividends." We discussed how being intentional with how you spend your time and money can lead to meaningful experiences that pay off in the form of cherished memories. By investing in worthwhile experiences, you are essentially creating lasting memories that enrich your life.2. Challenging Traditional Retirement PlanningWe delved into the notion that net worth should peak around age 50, as suggested in the book. While this idea may seem appealing, we highlighted the potential risks and challenges associated with this approach, especially in the context of sequence of returns risk and changing financial landscapes. It's essential to consider the practical implications and long-term sustainability of such a strategy.3. Balancing Savings and ExperiencesAnother key takeaway from the episode was the importance of finding a balance between saving for the future and enjoying life experiences in the present. We discussed the value of making meaningful investments in experiences that create lasting memories, even if they may not align with traditional financial optimization strategies. It's about finding the right balance between saving for the future and living in the moment.If you're interested in optimizing your investments, lowering future taxes, and growing your wealth, this episode is a must-listen!As always, we encourage our listeners to reach out with any questions or ideas for future episodes at podcast@brownleewealthmanagement.com.Thank you for tuning in, and we look forward to bringing you more insightful episodes in the future.Facebook - https://www.facebook.com/BrownleeWealthManagement/?ref=py_cLinkedin - https://www.linkedin.com/company/brownlee-wealth-management/Disclosure: This information is for informational purposes only. Nothing discussed during this video should be interpreted as tax, legal, or investment advice. If you have questions pertaining to your specific situation, please consult the appropriate qualified professional.

Is it possible to balance frugality with high-ticket purchases? Today, I'm sharing a deeply personal story that challenges conventional financial wisdom. When a follower questioned my decision to buy a $4,000 cold plunge while advocating for grocery savings, I saw an opportunity to clarify our financial philosophy. Our discussion will reveal how budgeting isn't about restricting ourselves—it's about empowering ourselves to make intentional choices that align with our values.xoxo,RachelWhere to find me:Instagram: @heyrachelcoonsTikTok: @heyrachelcoonsWhat kind of grocery shopper are you? Take my free quiz Learn how to save hundreds on groceries! Join my FREE live training Check out my grocery savings guide

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3265: Scott Spann highlights the importance of starting early with retirement savings and the benefits of gradual increases through strategies like automatic contribution rate escalation. He uses Sharon's story to demonstrate how small, consistent efforts can lead to significant financial security and flexibility later in life. Read along with the original article(s) here: https://www.financialfinesse.com/2015/01/26/can-you-really-save-more-tomorrow/ Quotes to ponder: "It is just too easy to convince ourselves that we can save more tomorrow when we have a better job, when we pay off those loans, or when those other life challenges disappear." "Sharon's secret to success over the past two decades was to put any salary increases into savings without giving herself a chance to spend it." "It may be tough to go from saving 5% to 15% in one move, but going from 5% to 6% is quite painless, especially if the increase can be timed to coincide with an annual raise." Episode references: Nudge: Improving Decisions About Health, Wealth, and Happiness: https://www.amazon.com/Nudge-Improving-Decisions-Health-Happiness/dp/014311526X Employee Benefit Research Institute: https://www.ebri.org Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3265: Scott Spann highlights the importance of starting early with retirement savings and the benefits of gradual increases through strategies like automatic contribution rate escalation. He uses Sharon's story to demonstrate how small, consistent efforts can lead to significant financial security and flexibility later in life. Read along with the original article(s) here: https://www.financialfinesse.com/2015/01/26/can-you-really-save-more-tomorrow/ Quotes to ponder: "It is just too easy to convince ourselves that we can save more tomorrow when we have a better job, when we pay off those loans, or when those other life challenges disappear." "Sharon's secret to success over the past two decades was to put any salary increases into savings without giving herself a chance to spend it." "It may be tough to go from saving 5% to 15% in one move, but going from 5% to 6% is quite painless, especially if the increase can be timed to coincide with an annual raise." Episode references: Nudge: Improving Decisions About Health, Wealth, and Happiness: https://www.amazon.com/Nudge-Improving-Decisions-Health-Happiness/dp/014311526X Employee Benefit Research Institute: https://www.ebri.org Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3265: Scott Spann highlights the importance of starting early with retirement savings and the benefits of gradual increases through strategies like automatic contribution rate escalation. He uses Sharon's story to demonstrate how small, consistent efforts can lead to significant financial security and flexibility later in life. Read along with the original article(s) here: https://www.financialfinesse.com/2015/01/26/can-you-really-save-more-tomorrow/ Quotes to ponder: "It is just too easy to convince ourselves that we can save more tomorrow when we have a better job, when we pay off those loans, or when those other life challenges disappear." "Sharon's secret to success over the past two decades was to put any salary increases into savings without giving herself a chance to spend it." "It may be tough to go from saving 5% to 15% in one move, but going from 5% to 6% is quite painless, especially if the increase can be timed to coincide with an annual raise." Episode references: Nudge: Improving Decisions About Health, Wealth, and Happiness: https://www.amazon.com/Nudge-Improving-Decisions-Health-Happiness/dp/014311526X Employee Benefit Research Institute: https://www.ebri.org Learn more about your ad choices. Visit megaphone.fm/adchoices

We're back with another episode on de-influencing your choices! This conversation dives into the psychological impact of influencer culture on consumer behavior, financial decisions, and lifestyle choices. It explores the normalization of luxury, the pressure to keep up with trends, and the validation sought through material possessions. Astrid and Alexis also share personal experiences and insights on de-influencing, intentional spending, and setting financial priorities. Episode Chapters00:00 Navigating the Influence: Social Media and Consumer Behavior17:32 The Authenticity Challenge: Content Creation and Mental Well-being21:57 Intentional Living: Balancing Personal Content and Product Promotion24:37 The Psychological Impact of Influencer Culture on Consumer Behavior29:10 De-influencing: Intentional Spending and Financial Priorities  //@inbetween.pod//@astridjohanaphoto//@alexisteichmiller

Today I'm answering YOUR questions about motherhood lately, my thoughts on money like budgeting and tithing, my tattoos, dreams I have for the future of By Words and MORE! I hope you enjoy this chatty catch-up episode. :) MONEY EPISODES I MENTIONED: EP 11 - https://podcasters.spotify.com/pod/show/bywords/episodes/11--Stewarding-Your-Finances-Well---Part-1-ft--Hannah-Higgins-etq1tt/a-a4vnlle EP 12 - https://podcasters.spotify.com/pod/show/bywords/episodes/12--Stewarding-Your-Finances-Well---Part-2-ft--Hannah-Higgins-ev7jns/a-a4vnlle EP 23 - https://podcasters.spotify.com/pod/show/bywords/episodes/23--Intentional-Spending-ft--Jen-Williams-e1766m8/a-a4vnlle Get your By Words Story candle here: ⁠https://www.juneandblume.com/shop/p/storycandle⁠  (Use code BYWRDS10 for 10% off your June + Blume order!) Shop my favorite Bible studies + devotionals: ⁠thedailygraceco.com/HANNAHH⁠  Get 20% off your BIOHM Health order with code HANNAH: ⁠https://www.biohmhealth.com/⁠  Connect: ⁠www.thehannahhughes.com⁠ Instagram: ⁠https://www.instagram.com/thehannahhughes/⁠  ⁠https://www.instagram.com/thebywordsshow/⁠  Join my email community to be the first to hear the latest news and exciting updates: https://hannahhughes.myflodesk.com/ykr11vz33y  Shop my Amazon faves: ⁠https://www.amazon.com/shop/thehannahhughes⁠ --- Support this podcast: https://podcasters.spotify.com/pod/show/bywords/support

Is "Oops" a good financial strategy? "CentsAble" Bobbi discusses the pros and cons of action versus reaction, when it comes to your money. www.centsablechat.com

If you feel like your spending is out of control, it's time to revisit your budget. An effective budget isn't about restriction; it's about aligning your money goals and values with your spending habits. Getting intentional with your spending will shift your financial taste buds and change the way you think and feel about money! In today's episode, I share how a client has progressed from uncertainty around her finances to drama-free spending. I share a situation where she felt like she had overspent and how we worked together to overcome feelings of judgment and shame. In just a few months, this client has gained clarity and control over her finances and developed a healthier relationship with money. Now, she is empowered to spend money on things that really matter to her without destroying her budget.  Are you ready to change your financial taste buds and save thousands of dollars without feeling restricted? Tune in to learn how intentional budgeting and mindful spending will radically change your finances! Stay tuned for insights on these topics: [01:45] Helping clients through feelings of failure [06:20] Financial taste buds change [15:00] Impact of intentional spending Tune into this episode of Money Files to learn how to shift your financial tastes buds and spend intentionally! Get full show notes and the episode transcript: https://wealthovernow.com/shifting-your-financial-taste-buds-the-power-of-intentional-spending/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now

This week our wonderful financial wealth advisor friend, Lenet Rivas, is back! Lenet busts myths around filing taxes and we discuss what it means to spend intentionally. Tax Calculator Free tax filing 10 YEAR ANNIVERSARY VIDEOS SUPPORT OUR AMAZON LINK PURITY WOODS DISCOUNT CODE JOY www.joyandclaire.com Girls Gone Wod email: thisisjoyandclaire@gmail.com Instagram: joyandclaire_ The post 225: Intentional Spending appeared first on This is Joy & Claire.

Money doesn't buy happiness. I firmly believe that. But, I also believe that money buys you options…and having the option is what breeds happiness. Having the option to take a trip, bless a family member, leave your job, start a family, and so much more. Money makes those things easier. Money allows you to have more and more options. Now, while I don't think money buys happiness, I do think there are certain things you can spend your money on and feel genuinely fulfilled. In this episode, I'm sharing a few intentional spending ideas that will leave you feeling fulfilled and happy as a clam! Let me add that you may not be in a position to spend your money on these things now, but definitely keep them in your back pocket for the future.   Here's a glance at this episode: [02:10] There are so many ways you can donate, and it doesn't have to just be money. This can leave you feeling incredibly fulfilled. [04:20] The memories and experiences that come with traveling can stay with you forever, making the cost of the trip fulfilling. [07:20] The foods I consume directly impact my health. Because of this, I can't get cheap with spending money on healthy foods. [11:43] Starting a business isn't for everyone. However, if it's something that you've wanted to do, it's a great way to spend money in a fulfilling way. [13:59] When you're in a position to help others, financially or not, it leaves you feeling empowered and fulfilled.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Listen to Episode 70 – My Budget Non-Negotiables Learn about Raya's Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group   Subscribe to the City Girl Savings Newsletter!

Connect With Toni on IG: https://www.instagram.com/tips_with_toni/ or https://www.instagram.com/tipswithtoni_podcast/ or TikTok: https://www.tiktok.com/@nutritiontipswithtoni Tips With Toni is now accepting insurance! Email me to see if I take yours: Tipswithtoni@gmail.com. Follow Vanessa on IG: https://www.instagram.com/vanessahabben/

Hi my loves

Are your business finances the neglected stepchild? My guest this week, Carla Moats, and I discuss the common neglect of finances in the coaching space, where revenue takes precedence, and profit becomes an afterthought. Carla emphasizes the importance of financial knowledge for small business owners, especially in coaching, to overcome the fear and intimidation associated with numbers. Do you want to improve your business's financial management and increase profitability? Learn how to achieve better financial control and organize your business finances for increased success and stability. Empower your small business's financial future as Carla dismantles the profit paradox, guiding you through the crucial steps to separate, track, and prioritize your revenue to maximize your company's success. In this episode... Carla stresses the importance of tracking revenue and expenses monthly and highlights the common oversight in the coaching space where many are unaware of their profit until year-end tax consultations. Carla suggests various tools for financial tracking, ranging from QuickBooks and Xero for larger businesses to spreadsheets, Wave, YNAB and HoneyBook for simpler needs but ultimately emphasizes the need for a system that records both income and expenses for accurate financial insights. We discuss the significance of setting profit goals for coaches and small business owners and encourage everyone to take an intentional approach to spending and investments, emphasizing the practice of deciding upfront how much profit to take. Carla advises business owners to assess their financial health regularly, considering factors like profit, cash flow, and personal income by implementing a monthly finance hour, either self-led or with a bookkeeper, to review financial statements and understand key financial metrics to guide their strategic planning. She recommends identifying 5 to 7 KPIs that directly impact revenue and expenses, tailored to the specific business model, highlighting the value of tracking KPIs alongside financial metrics to gain a comprehensive view of business performance. We conclude the episode by discussing the importance of having a mindset shift toward intentional spending and investment decisions. Carla is a fractional CFO and financial and money coach for female coaches and other service business owners who are making money, but not keeping enough. She brings her 30+ years of finance and accounting experience to her clients, helping them understand their numbers and become profitable so they can scale profitably and still have the money to live the lifestyle they dream of. Don't wait for your tax guy to tell you how much you're making. You should know every month how much money came in, how much money went out. - Carla Moats The key moments in this episode are: 00:00 - Neglecting Business Finances 07:53 - Organizing Business Finances 10:39 - Financial Tracking Tools 14:37 - Hiring a Bookkeeper and Understanding Financial Statements 16:51 - Setting Profit Goals and Paying Yourself 18:54 - Profit First Principle and Intentional Investments 23:23 - Intentional Spending and Personal Financial Goals 27:29 - Business Expenses and Costs 29:08 - Key Performance Indicators (KPIs) 30:20 - Importance of Bookkeeping Connect with Carla Moats: Website LinkedIn Facebook Ultimate Guide to Improving Your Business's Cash Flow Resources Mentioned: Organized Coach Academy  FREE Workshop: 3 Secrets to Organize Your Digital Files Idea Tracker Client Tracker FREE File Naming Formula Cheatsheet Connect with me: Website  Email  Instagram     

Spending a little crazed around the holidays? Worried about self-control and how to reign in the wallet? This encore episode was long enough ago you may have forgotten the 10-10-10 rule of self-discipline on the spend. Matthew describes how he's found a method to minimize compulsive purchases that should work just as well for anyone and the bonus on the episode, is that it's timely in helping look at the new year to build a foundation for familial wealth built in a healthy way. Nice way to start the holiday season and begin thinking about the year ahead as well! Why not a gift of Financial Sobriety? You can find the book and more at www.yourfinancialsobriety.com

Hi my loves

Conversation with Sonja Ecklund about money mindfulness and common struggles on the journey to financial wellbeing.Topics of Discussion: -Common barriers within money mindfulness.-Finding financial wellness with a money coach.-Evaluating financial wellbeing through facts and feelings.Sonja is a National Board Certified Health and Wellness Coach, a registered yoga teacher, a financial social work professional, a low-impact minimalist, and a climate change optimist. She has over 12 years of coaching experience in both corporate wellness and private practice and has helped thousands of clients change their lives. Sonja empowers people to create mindful, sustainable, and intentional lifestyles through the art of coaching. She is passionate about helping people rewrite their money stories and her financial coaching workbook has helped over 100 people create a proactive financial wellbeing plan. Website: www.sonjaecklund.comInstagram: @sonjaecklundWell Connected Twin Cities is connecting you with local health and wellness professionals in your community. Discover what's possible by surfing the directory, taking a class, or attending the next event. http://wellconnectedtwincities.com/Follow us on instagram https://instagram.com/wellconnectedtwincities